The UPA Government has been aggressively propagating financial inclusion. They introduced schemes such as N.A.R.E.G.A., compelled banks to open branches in remote areas, enforced priority sector norms for credit to underprivileged etc. But has this changed the country's social fabric? Have we forgotten caste, religion, and language-based differentiation? Has the dowry system been abolished? Have we won the war against superstition? Have we brought about real transformation in society?